Family Business Practice

As well as being a great place to meet hard working, like-minded business people, Peter Roper’s Family Business Practice provides a fantastic business to business support network. To this end, we have set up a password protected Member Zone for fellow Practice Members, which we are looking forward to developing over the coming months. For…

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Is Your Privacy Notice GDPR Compliant?

Privacy Notices – What Are They? Privacy notices let employees, customers and prospects know how their personal data will be handled and collected. What if We Don’t Have One or Haven’t Updated Ours to be GDPR Compliant? Companies that don’t update their privacy notices, could receive a fine of up to €20 million (roughly £16…

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GDPR – 25.05.2018

The General Data Protection Regulation (GDPR) came into force on 25.05.2018. Regulations can be intimidating and confusing, however our Free GDPR Toolkit includes infographics, marketing guidance, customisable sample policies and checklists, which may be of use to your business! We can email you a copy of our Free GDPR Toolkit, in either word or pdf format, if you just let us…

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Commercial Property – Rebuild Sums Insured

When determining your rebuild sum insured, have you taken into account all of the following? 1. The cost of rebuilding the structures, plus the following (where owned by you): Internal offices, fixed mezzanine floors, overhead cranes and other fixtures and fittings in and on the structures Internal and external fixed glass sanitary ware and signs Central…

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Referral Scheme for Insurance2day Policyholders

We would like to thank Insurance2day Policyholders, with a £50 M&S Voucher,  for each and every successful referral! Subject to our Insurance2day Referral Scheme Terms & Conditions N.B. A successful referral means the inception of a commercial or property insurance policy, for a new policyholder, for a premium where the commission is at least double the amount of the…

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Factors Impacting Insurance Premiums – Ogden Personal Injury Discount Rate Changes

Ogden Personal Injury Discount Rate Changes A key determining factor in quantifying large personal injury claims is what is known as the Ogden Personal Injury Discount Rate. This rate changed on 20 March 2017 and, as a direct result, payments in respect of serious personal injury claims have soared. This level of increase is unprecedented…

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Factors Impacting Insurance Premiums – Insurance Premium Tax Increases

Insurance Premium Tax (IPT) Increases  IPT is a levy charged by the government on insurance premiums. The rate of IPT has increased significantly from 2010 i.e. In 2010                    IPT was 5% In July 2015            IPT increased to 9.5% In March 2016        IPT increased to 10% In June 2017        …

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The Ogden rate or Discount rate – What is It?

When assessing lump sum awards for personal injury claimants, courts take into account the net rate of return (discount) that the claimant might expect to receive from a reasonably prudent investment of lump sum compensation. Since 2001, this rate has been 2.5%. On the 7th December 2016, It was announced that a review of the…

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IMPORTANT INFORMATION – The Insurance Act 2015

The Insurance Act 2015 applies to all commercial polices placed or varied after 12 August 2016. As a purchaser of insurance it remains a commercial policyholder’s responsibility to disclose every material circumstance that they know, or ought to know, about the risk.  A material circumstance is something that would affect the judgement of an insurer in deciding…

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Pali Users Professional Indemnity Insurance for DEAs and NDEAs

Coming soon!

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